About

PK Finance provide bespoke mortgage and protection advice. We believe in clear guidance, along with reliable and sincere service. All the advisers with the firm have extensive experience of the Financial Services industry.

Paul Kozyra’s, the principal, career began his career within an IFA firm, working as a paraplanner helping to develop financial plans for customers. Since then he decided to focus on Mortgages, as that is where his interested really lay and he has worked with some of the biggest banks, brokers and Estate Agents in the country. This broader knowledge developed into specialising in mortgages and protection.

Paul decided he would team up with Just Mortgages Direct Ltd to offer a truly unique offering, incorporating the benefits of a truly personal business with the strength of one of the UK’s largest mortgage brokerages.

Appointments can be conducted at your home, place of work or on any of the modern video calling software solutions. Office hours do not need to be adhered to either!

Every client is different. We make sure you have all the support and information you need to make informed decisions which suit you. Learn more about mortgage services.

PK Finance is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Paul Kozyra

What my clients say about our services:

Emma Culham Douglass
Emma Culham Douglass
2022-06-13
recommends
Where do I even start ?! As first time buyers attempting to secure a house in a sea of crazy bidding wars & lightning sales I’m so grateful we chose Paul. He was BRILLIANT from start to finish. Super responsive, patient, knowledgeable & most of all flexible. We lost two houses before finally securing our dream home & I lost count of the calculations, recalculations & “what if this happens” scenarios we asked him to do for us. Despite the millions of questions & facebook messages at odd hours he always made time for us & most critically got us a great deal. I would 100% recommend him & will definitely be coming back when our mortgage is due up. Thanks again Paul you’ve been awesome !
Andy Whiers
Andy Whiers
2022-02-13
recommends
First Class. We had to re-mortgage and consolidate a Help To Buy Loan, and Paul offered fantastic advice and support every step of the way to ensure it all went through smoothly. Would definitely recommend.
Megan Gilsenan
Megan Gilsenan
2021-11-26
recommends
Highly recommend Paul and his team at PK Finance. They have helped us with mortgages for ourselves and Buy To Let’s and he is by far the best we have ever used. Highly recommend!
James Robert Moore
James Robert Moore
2021-11-25
recommends
From start to finish Paul and his team were amazing. Paul has dealt with a lot of our friends and family members so it was the obvious choice as they have all had great experiences. Thanks again Paul. James and Natalie
Anna Saunders
Anna Saunders
2021-08-26
recommends
Paul was very helpful and patient with us - worked around the clock to get us the best deal and nothing was ever to much hassle for him. Really recommend, not overpriced and a fantastic service.
Emma Hilton
Emma Hilton
2021-06-24
recommends
Paul was brilliant and really helpful, he even worked around our unsociable hours. I'd highly recommend Paul and the team, and will certainly be giving them a call when my mortgage is due for renewal. Thanks again 😊
Kate Bayliss
Kate Bayliss
2021-04-13
recommends
Paul is knowledgeable, responsive and gave us regular updates - shop local and support our small business’s. Thanks PK
Sacha Danielle Diamond
Sacha Danielle Diamond
2021-03-24
recommends
I found out about Paul from an estate agent who works in partnership with him. From the beginning Paul was helpful informative and really positive which helped to put my mind at rest as I was quite anxious about the mortgage process. He was readily accessible through WhatsApp and his price was fair and competitive for his services. I highly recommend Paul for anyone who is looking to take out a mortgage! He explained the process from start to finish and even set up to video sessions to go through all of my options and help me understand what products are available to me. I have put a date in the diary for when my mortgage renewal is due and I have absolutely no hesitation is about using Paul in the future thank you so much for all of your help!
Phillip 'Phileano' Houghton
Phillip 'Phileano' Houghton
2021-03-04
recommends
Paul put a lot of hard work in to help us buy our first home, we can not thank him enough for all he did
Paul Atkins
Paul Atkins
2021-03-03
recommends
Paul is by far the most thorough and professional advisor we’ve encountered. His market knowledge and personal touch mean that you get a tailored service, and feel like your best interests are being looked after. Wouldn’t hesitate to recommend and use Paul again ourselves!
Reviews and Ratings for Financial adviser Paul Kozyra, Crewe

GET IN TOUCH

For a no obligation appointment at a time
and location to suit you, call us on 01477 668000

EMAIL US

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable in any other country which may have access to it.

PK Finance, 1-3 Manor Lane, Holmes Chapel, Cheshire CW4 8AB.

PK Finance is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Ltd registered office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD Registered in England & Wales No 2412345.

The Information on this website is subject to the regulatory regime and is therefore targeted at consumers in the UK.